Not an expert, just poor :)
Doing as much as possible where possible, increases the potential margins in the future by saving now and not paying as much interest on debt later. I hope we get a bit more though, as the cost of heating monthly is significant and getting the exchanger changed offsets the loan repayments.
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Our house need renovation, but we don't have the money (and commitment) to do so, so I understand this.
yeah, it takes money, time, effort, planning... one day...